What exactly is a money hat, I wonder?
You've got pretty much the same computer as me if you do this upgrade (I have a weaker CPU--2400). I have the deluxe A7N8X and love it. Sound is great for me. I don't miss my SBLive Value at all. I would go with a more expensive brand name whether you get the fast stuff or not. XP is really picky about memory timings, I have noticed.